I am trying to get pre-approved for a mortgage after the recent death of my husband. Over the course of a year they have reduced my credit limit everytime I pay a substantial amount on my accounts. This is making it look as if I have a high debt ratio. When they do this it drops my credit score. As soon as I get the score up it drops again. I am losing ground constantly. They don't call and they never send a letter. Please help me. My number is [protected] and my email is [protected]@outlook.com. Please please. Jody Fisher